Saratoga County
New York · FIPS 36091
According to CFPB HMDA 2024 application volume among U.S. counties, Saratoga County ranks #371 of 3,223, and #16 of 62 in New York.
Mortgage lending activity in Saratoga County, New York based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Saratoga County, New York lenders denied 1,292 of the applications reported here, financing the rest at an average note rate of 6.88%, with applicants self-reporting average annual income of $36K. 173 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Saratoga County
In Saratoga County, lead originator Broadview Federal Credit Union funded 14.5% of 4,479 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 32.4% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Saratoga County's 7,733 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Saratoga County's $250,733 average loan (deduped against volume peers).
Lenders active in Saratoga County
Broadview Federal Credit Union funded 648 of the 4,479 loans originated in Saratoga County, 14.5% of the county. 173 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Broadview Federal Credit Union | 648 | 14.5% |
| 2 | Sefcu Services LLC | 460 | 10.3% |
| 3 | Homestead Funding Corp. | 344 | 7.7% |
| 4 | Trustco Bank | 313 | 7.0% |
| 5 | Saratoga National Bank | 249 | 5.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Saratoga County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Saratoga County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.